Purchase Loan Qualifier

Pre-qualification is an initial assessment of your ability to qualify for a mortgage based on basic financial information you provide. It gives you an estimate of how much you may be able to borrow and helps you understand your budget before house hunting.

Our pre-qualification process typically takes just a few minutes to complete online. You'll receive initial feedback quickly, with detailed pre-qualification letters available within 24 hours.

Our initial pre-qualification process uses a soft credit inquiry that does not impact your credit score. A hard credit check is only performed when you decide to move forward with a full application.

Pre-qualification is an estimate based on information you provide. Pre-approval involves verifying your financial information and provides a more definitive loan amount, making your offer stronger with sellers.

You'll need basic information about your income, employment, assets, debts, and the property you're interested in purchasing or refinancing. Most information can be estimated for initial pre-qualification.

Yes, we use bank-level encryption to protect all your personal and financial information. Your data is never shared without your consent and we follow strict privacy protocols.

Peak Capital Mortgage is licensed to serve clients in Colorado, Florida, Louisiana, Texas, Arizona, New Mexico, and Wyoming.

After pre-qualification, you'll receive a pre-qualification letter and can choose to move forward with a full mortgage application or speak with one of our mortgage professionals about your options.